John

John is a 48-year-old married man. He has 5 children. He describes himself to be humble. He operates a retail store where he sells cereals such as maize, beans etc. He has been involved in this business for 10 years. His business is located at an ideal business site and his primary customers are local residents. He describes his biggest business challenge to be insufficient funds for improving the business.

John will use the Kes 20,000 loan to buy ten bags to sell. His business goal is to restock his store within 5 years. He hopes that in the future, he will manage to be a wholesale distributor of cereals to his customers and to retailers. This is the third loan he is taking with SMEP DTM.